Guidewire Cloud runs your policy, claims, and billing. Hi Marley handles communication. But who handles the coverage question — the one that determines whether you pay, deny, or reserve? That's the gap Qumis closes.
From $255M in GWP in 2016 to $715M in 2023 — CopperPoint's transformation under Marc Schmittlein has been exceptional. Two acquisitions, a Guidewire Cloud migration, and expansion into 21 states. But as the commercial P&C book grows beyond workers' comp into GL, inland marine, and commercial auto, every new line adds coverage complexity your adjusters didn't face five years ago.
"Kellen's deep experience leading complex businesses through transformation while delivering innovative underwriting, service and claims capabilities will be an instrumental driver in taking our business to new heights."
Marc Schmittlein, CEO & Executive Chair, on incoming CEO Kellen Booher — who led digital transformation at Chubb before joining CopperPoint in March 2025Qumis was built by insurance coverage attorneys. It doesn't summarize — it analyzes. Insuring agreements, exclusions, conditions, and endorsements mapped to loss facts. The same analysis your best coverage counsel would produce, in minutes instead of days.
Structured coverage analysis with interactive policy Q&A — upload documents, get answers
CopperPoint invested in Guidewire Cloud and Hi Marley to modernize claims operations. But coverage analysis — the decision that drives every payout — is still manual.
Guidewire ClaimCenter on Guidewire Cloud powers claims intake, workflow, and adjudication across all three CopperPoint entities. Unified platform. 96% reduction in upgrade costs.
Hi Marley texting integrated directly into ClaimCenter. 72% adjuster adoption in four months. 50% faster response times. Customer satisfaction scores measurably improved.
Which insuring agreements apply? Are there exclusions that eliminate coverage? What endorsements modify the base policy? As CopperPoint expands beyond WC into commercial P&C, this complexity is growing — and it's still handled manually.
Guidewire tells your adjusters what happened. Hi Marley helps them communicate faster. But neither answers the foundational question: does the policy actually cover this loss? That's the decision that determines every payout — and it's the only one CopperPoint hasn't automated.
"I almost gave away the farm. I didn't pick up on the fact that there's no coverage. Qumis caught it — and our coverage attorney confirmed: that's exactly right. No wiggle room. That was a $21,000 claim denied correctly." Senior Claims Adjuster · Carrier claims team using Qumis
Not a tool looking for a problem. A direct answer to four challenges CopperPoint is already solving.
CopperPoint migrated to Guidewire Cloud and integrated Hi Marley and SmartCOMM from the Marketplace. Qumis is the next insurtech integration — the coverage analysis layer that sits alongside ClaimCenter and gives adjusters structured answers before they make a determination.
Workers' comp coverage is relatively standardized. But as CopperPoint expands commercial lines across construction, agriculture, and healthcare, adjusters encounter manuscript policies, stacked endorsements, and exclusions they've never seen. Qumis was built for exactly this complexity.
CopperPoint, PacificComp, and Alaska National operate on a unified Guidewire platform. But coverage interpretation still varies by entity, region, and adjuster experience. Qumis produces structured, consistent analysis that doesn't depend on who handles the claim.
CopperPoint's four key verticals carry the highest-severity exposures: construction site injuries, agricultural equipment failures, healthcare malpractice overlaps. A single coverage determination error in these classes can be six or seven figures. Qumis catches what manual review misses.
From carrier claims teams already using Qumis — not brokerages, not agencies. Carrier adjusters handling commercial P&C.
The adjuster was already negotiating a settlement at 70 cents on the dollar. Qumis identified the exclusion. Coverage counsel confirmed. $21K claim denied correctly. Without Qumis, the adjuster was clicking through 1,000 pages of policy images.
"What I would normally spend a couple hours on, I can condense into 30 minutes or less. And the consistency is there — it's stable every time."
Senior Claims Adjuster · CarrierA veteran adjuster handling GL and construction uses Qumis as a coverage checklist on every primary claim. Ran a comparative analysis against a liberalization clause policy in a single session rather than reading the entire second policy manually.
"For me it's a checklist to make sure I'm looking at everything I need to look at. It confirms what I'm thinking and flags what I might have missed."
Claims Adjuster · 20+ years experienceQumis is venture-backed by funds that specialize exclusively in insurance innovation — investors who underwrote our approach because they understand the domain, the complexity, and the opportunity.
We'd welcome a conversation about how Qumis fits into CopperPoint's claims modernization — especially as commercial lines scale across all 21 states.